Lexus IS 250 Insurance Rates

Estimated insurance rates for a Lexus IS 250 are $1,502 a year for full coverage insurance. Comprehensive costs approximately $362, collision costs $688, and liability costs $316. Liability-only coverage costs as little as $376 a year, with high-risk coverage costing around $3,252. 16-year-old drivers pay the most at $5,366 a year or more.

Average premium for full coverage: $1,502

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all IS 250 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates estimated Lexus IS 250 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $844
• Drivers who choose higher $1,000 deductibles will pay $238 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,502
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,966
• Drivers with multiple tickets or accidents could pay around $3,252 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage can cost $5,366 a year

Insurance prices for a Lexus IS 250 also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Lexus IS 250 insurance prices. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,030 on average in Florida, New York, and Michigan.

Opting for high physical damage deductibles could save up to $710 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $335 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 extra annually, depending on your age. Lexus IS 250 insurance for high-risk drivers can cost from 45% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2025 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Lexus IS 250 Insurance

Finding better rates on insurance for a Lexus IS 250 not only requires being a low-risk driver, but also maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief summary of the data presented in the illustrations above.

• Insureds who purchase more liability coverage will pay around $350 annually to go from 30/60 bodily injury limits to 250/500 limits
• It is possible to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $700 each year
• Teen drivers are expensive to insure, with premiums being up to $447 per month for full coverage